Waive

Students who already have a health insurance plan comparable to or better than the USF- sponsored health insurance may petition to waive the health insurance requirement. Students are expected to maintain comparable health insurance coverage at all times during their waiver period. However, if a student’s health coverage is dropped, it is the student’s responsibility to contact Health Promotion Services to discuss their options at hps@usfca.edu or 415.422.5797. Students who have waived their health insurance in Fall 2013, they do not need to waive the Spring 2014 coverage.

Health Insurance Plans NOT accepted by USFThis is a short list.

ASPE insurance (It is not sold by US State Department)

All travel and accident plans

PSI Health Insurance

Compass Health Insurance

Study USA- Health Care, The insurance company of the State of Pennsylvania

Reliance General Insurance

Travel and Accident plans by United Health Care

These health insurance plans are NOT accepted because they have many limitations and exclusions for medical services.

To waive the insurance requirement, your insurance plan must be comparable to or better than the USF Sponsored Health insurance plan.

Criteria for waiving the health insurance requirement:

Please be advised these are general criteria and all health plans will be reviewed by the University insurance broker to ensure the plan meets USF requirement.

Policy must be in English.

Health plan must be provided by a U.S based insurance company, with a U.S claims payment office and phone number.

Policy must include accident and medical coverage (include illness/preventive care, prescription, no limit on hospital stay/emergency room except for the co-insurance and deductible).

Health plan must offer an unlimited policy year benefit maximum.

Deductible no greater than $200 dollars.

Must cover expenses associated with the medical evacuation to home country in the amount of $50,000.

Must provide coverage for repatriation of remains in the amount of $25,000.

Pre-existing conditions must be covered.

Health plan must have an annual out of pocket maximum of $6,350(individual)/$12,700(family) or less

Includes provision for co-insurance that does not exceed 20%.

Coverage cannot exclude benefits for perils inherent to the activities of the program in which the visitor participates.

Plan must cover hospital stay for all medical, surgical and mental health/substance abuse conditions without limitations